Domestic CBD Accounts Starting at 3.50%!


AllayPay has years of experience boarding both CBD / Hemp oil merchants.  We specialize in startups, as well as extremely large established companies, including wholesalers. 

Have you tried to search “How to obtain a CBD Merchant Account” or “Hemp Merchant Account” and came up short? You are not alone.  Although 100% legal, most banks and processors still do not board companies in this industry due to how CBD is cultivated.   AllayPay has worked with well established legal firms, banks, and processors to ensure your account is set up properly.  We have the largest network of processors and acquiring banks in the world ready to board your CBD business today!

Our rates and boarding time compared to Square is night and day!  Square's current rates for CBD merchants start at 4.2% vs. ours starting at 3.50%!   Also, they have a 60+ day approval time vs. ours averaging just 1-3 business days! 


Our dedicated and knowledgeable customer service professionals will guide you through the process for FREE!   See below for a detailed overview of our domestic, international and eCheck processing options available for your CBD Account!


Domestic CBD Merchant Account

We are still able to offer the lowest rates in the country for CBD merchants.  To get started, click the Request Free Quote button above.   


Domestic Account Overview:

  • ALL merchants welcome (including Startups)

  • Rates starting at 3.50% + $0.10/trans

  • Accept all major card brands (Visa/MasterCard/Discover/American Express)

  • Next day funding

  • Total setup time is 1-3 business days

  • Network Merchants Inc (NMI) or Authorize.net gateway

  • Vape/Gummies products permitted

  • Auto-ship/Recurring billing permitted

  • Pre-rolled products, hemp flowers or seed permitted

Required Guidelines for Domestic Merchant Account:

  • Must have US company and federal tax ID

  • Must have USA business bank account

  • Hemp Oil / CBD Oil products must be under 0.3% THC dry weight

  • All products listed on the website must be included in a product and pricing list

  • Lab tests must be submitted for all products (or major ingredients that are included for all products)

  • General CBD Website Compliance must be done prior to submitting your application

Important Note: If for whatever reason you cannot adhere to the guidelines above, we have the best international solution available that is also a direct MID, and at extremely competitive rates.  Please ask us today for more information!


International EU CBD Merchant Account

Given the current CBD processing climate, AllayPay highly recommends having an international processing account, in addition to a domestic solution, if possible. We are able to offer you the best, most reliable international CBD processing solution in the world!  This is not an aggregate solution.  You will have your own MID, including your own descriptor as well.  All major card brands accepted, including Visa, MasterCard, American Express & Discover.


Apply now in just minutes using our easy online International CBD Merchant Application link.  


Many of our competitors will have CBD processing solutions for your business, but they don't have a clue what the boarding process entails.  They are simply middlemen that are not knowledgeable in this special field.  If done incorrectly, will get you blacklisted from the processor altogether.  Go with a company you can trust!



  • Flat fees ranging from 5.95-7.95%, + $0.30/trans

  • No Reserves

  • No application/setup fee

  • Initial 3-4 business day hold on funds, then daily funding

  • Usual setup time is 5 business days

  • Network Merchants Inc (NMI) gateway

  • Vape/Vapable products permitted

  • Auto-ship/Recurring billing permitted


Major Guidelines for International CBD Merchant Account:

  • Must have US company and federal tax ID

  • Must have USA business bank account

  • Lab Reports showing all products are under 0.3% THC dry weight

  • Have completed the website compliance listed in the documents section

  • AllayPay will register your EU company once you decide to proceed*


* Cost to incorporate your new EU entity is $500, invoiced upfront.  

Learn why over 96% of our CBD merchants choose to include eCheck Processing as a payment option for their business!

eCheck Processing Solutions

Based on the previous difficulty in obtaining a credit card CBD merchant account, (before AllayPay's current solutions), merchants simply needed to be able to receive payments from their customers.  As customers saw the trend of their favorite online stores being unable to receive credit cards, they started becoming extremely comfortable with the modern concept of writing a check, called eCheck. 


eCheck Processing Overview:

  • Flat rates ranging from 2.95% - 3.75%, + $0.25/trans

  • $30/month – Gateway fee

  • $199.95 application fee with guaranteed approval*

  • Approval is non-FICO score dependent

  • Invoicing, and flexible recurring options

  • Seamlessly integrates with many e-shopping carts, including WooCommerce, Shopify, BigCommerce, Ecwid, Magento, etc…

  • Open API to fit your customized solution

  • No limits on the products sold




* There is a $199.95 application fee.  Should you get declined for whatever reason, you will be refunded in full.  After approval, all applicants are subject to state and federal background checks, which is an additional $99.00 charged by the processor. 

Seamless Shopping Cart Integrations

We believe in empowering our merchants with knowledge!  Educate yourself with additional information about the CBD / Hemp Oil Processing industry.  

CBD Processing Education

FAQs From Our Merchants

What exactly are CBDs?

Cannabinoids are the primary chemical compounds produced by the cannabis plant and there are more than 85 identified cannabinoids. Tetrahydrocannabinol (THC) is the most well-known cannabinoid produced by the cannabis plant and is the ONLY psychoactive cannabinoid. Of the 85+ non-psychoactive cannabinoids, Cannabidiol (CBD) is the most widely known.

Legislative Status of CBD / Hemp oil in the United States America?

Many people ask, "If CBD Oil is legal, why do I keep getting shut down by bank and processors? The answer is very simple, most banks will The FDA of the United States considers hemp oil (and its derivative CBD) to be a dietary supplement (not a medication) since they are made from industrial hemp plants. If you live in the US, this means you don’t need a prescription and can legally purchase and consume Cannabidiol in any state. It is also legal to ship in the United States as long as it contains less than 0.3% THC on a dry-weight basis per the United States Farm Bill of 2014.

Do I Need a Doctor's Prescription or Medical Marijuana Card?

In contrast to marijuana, US federal law does allow for the cultivation, processing, and marketing of hemp and hemp products, which would include cannabinoids derived from industrial hemp, under the conditions set forth in Section 7606 of the Agricultural Act of 2014. The United States Farm Bill of 2014 permits the growth and cultivation of industrial hemp in states where hemp is legal to grow.

Why can't I just set up an ACH/eCheck account with my current bank?

​For CBD / Hemp oil merchants, banks prefer not to be the ones directly processing / enabling the transaction itself. They much prefer a separate legal entity to process the CBD transactions, and strictly be the depositor. ACH processing solutions for the CBD industry are coming soon! Check back in a 1-2 months.

Startup CBD Merchants?  Get Started Today!

At this moment, startups' only option will be with out international solutions. We will work with you along the way in order to get setup quickly. Please contact us today to get started!

Established Business Looking to Switch?

Merchants that are already accepting credit cards for their CBD business and are looking to switch to either obtain their own MID, or simply want to save thousands each year will generally need the following:

  • 3+ Months' Processing Statements
  • 3+ Months' Business Bank Statements
  • Minimal Chargebacks (<1%)

General CBD Website Compliance

All Items must be completed:
- Website must have “THC is less than 0.3%” in footer
- Add FDA disclosure in footer
- All products must contain ingredients in 'searchable' text form
- Do not make strong medical claims
- Delivery methods / timing policy
- Must have company name and address listed in footer of homepage
- Terms & Conditions (with link preferably in footer)
- Privacy policy (with link preferably in footer)
- Refund policy (with link preferably in footer)
- Lab Reports for each product (with link preferably in footer) - Must show Delta-9 THC< 0.3%
- Contact Page with full address and customer service number
- Add card brand logos to checkout page

Underwriting Requests


Open Your Merchant Account Today!

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274 S University Drive, Suite B

Plantation, Florida 33324 


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